Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,509,111Cash toward the purchase price.
Closing costs + prepaids$48,603Not just lender fees.
Before credits & paid funds$1,557,714The complete starting cash picture.
Estimated remaining funds due at closing
$1,557,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,509,110.72
Your down payment$1,509,110.72
Closing costs + prepaids$48,602.99
Total buyer cash needed$1,557,713.72
Remaining funds due$1,557,713.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$25,555.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,231.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,388.75
Prepaid interest, first (27 days)$5,209.30
Fees + prepaids$48,602.99
Your down payment is the seller’s equity. You take over the $1,046,389 balance, so the rest of the $2,555,500 price is paid at closing. A second mortgage can cover part of it. $1,557,713.72 is due at closing. Uses and sources reconcile at $2,604,102.99 each. Not a Closing Disclosure.